What term describes Joey's practice of using manipulation to entice clients?

The practice described in the question aligns best with the term associated with the use of influence or pressure to encourage clients to act against their better judgment or interests. Coercion involves compelling someone to act in a certain way through pressure or threats, suggesting that the person feels they have no genuine choice.

In the context of an insurance agent, using manipulation to entice clients may imply tactics that go beyond ethical persuasion, instead bordering on forceful or manipulative dealings. This stands in contrast to the other terms provided. Intimidation suggests a more aggressive approach that involves creating fear to control behavior, which is not specifically what manipulation entails.

Bait and switch refers to a deceptive marketing tactic where a consumer is lured in by an attractive offer that is not intended to be upheld. While this involves manipulation, the specific term does not fully capture the essence of the manipulation indicated. Discrimination involves treating individuals differently based on certain traits or identities and does not apply directly to client interactions that involve manipulation. Thus, coercion is indeed the most fitting term to describe Joey's practice.